Umehluko phakathi kwekhadi lesikweletu nedebhithi

Liyini ikhadi lesikweletu

Ngezikhathi ezithile uzobe ubhekene nombuzo waphakade: ingabe usebenzisa ikhadi lesikweletu noma lasebhange? Futhi kungenzeka ukuthi, ngaleso sikhathi, ngaphandle kokuthi ngabe ubenemibono yomibili echazwe kahle, ubungazi ukuthi uzophendula kanjani kahle, noma uthi usebenzise ikhadi, nokuthi awazi ngokuqinisekile ukuthi yiliphi lelo.

Ngakho-ke, namhlanje sizokhuluma nawe, hhayi kuphela ukwazi umqondo wekhadi ngalinye, kepha ne umehluko phakathi kwekhadi lesikweletu nekhadi lasebhange. Ngakho-ke, ngeke uphinde ube naleyo nkinga.

Liyini ikhadi lesikweletu

Ikhadi lesikweletu lingachazwa njengaleyo nsimbi leyo ukhipha ibhange ukwenza imisebenzi, kungaba nge-ATM, noma ukuthenga izimpahla namasevisi ngesikweletu.

Liyini ikhadi lasebhange

Ikhadi lasebhange liyithuluzi elibonakalayo lelo ekhishwe yibhange futhi ekuvumela ukuthi uthenge izimpahla kanye / noma izinsizakalo kudebithi, noma ukusebenza kwemali ku-ATM.

Umehluko phakathi kwekhadi lesikweletu nekhadi lesikweletu

Umehluko phakathi kwekhadi lesikweletu nekhadi lesikweletu

Yize womabili amakhadi, ezimweni eziningi, engahlukanisiwe, iqiniso ukuthi kukhona umehluko othile ngempela okufanele waziwe, ikakhulukazi ekugcineni ukukhetha umkhiqizo wezezimali owodwa noma omunye.

Ngakho-ke, okuyinhloko okulandelayo:

Ubunikazi bemali

Ngabe ucabanga ukuthi ikhadi lesikweletu nekhadi lasebhange, ngokuya egameni lakho, kusho ukuthi imali ngeyakho? Iqiniso ukuthi akunjalo ncamashi. Kukhadi lesikweletu, imali akuyona eyakho, kepha eyasebhange. Leyo mali onayo ilayini yesikweletu ibhange lakho elikudonsayo njengoba ulisebenzisa kodwa kuthi, ngokuhamba kwesikhathi, ubophezeleke ukuthi ulibuyise.

Kumakhadi asebhange, lawa axhumene ne-akhawunti yakho yokuhlola, okungukuthi, kwi-akhawunti yakho yasebhange, ngakho-ke imali oyisebenzisayo ingeyakho. Ngakho-ke, awukho umkhawulo wemali ekhadini lasebhange (kahle, lelo onalo ku-akhawunti yakho, kunjalo). Okwamanje, ekhadini lesikweletu kungahle kube nemikhawulo yemali "abakuboleke", okungaba yi-2.000, 4.000 noma ngaphezulu.

Sengiphetha, ekhadini lesikweletu imali ingeyasebhange, kanti ekhadini lesikweletu kungokwakho.

Izindlela zokukhokha

Mhlawumbe ungomehluko omkhulu okhona phakathi kwamakhadi womabili, ngoba nawo ahluke kakhulu komunye nomunye. Isibonelo, ekhadini lasebhange, noma yikuphi ukuthenga okwenzayo ngalo kuzobonakala ngokushesha kwi-akhawunti yakho yokuhlola, futhi kuzodonswa imali.

Kodwa Endabeni yekhadi lesikweletu, isikhathi sokubuyisa leyo mali oyisebenzisile akudingeki ukuthi sisheshe; imvamisa kunegama, noma likhokhiswa ngemuva kwenyanga kusuka ku-akhawunti yokuhlola. Konke kuzoya ngokuthi inkontileka oyisayinayo ikubeka kanjani. Kunezikhathi lapho ingqikithi yalokho okusebenzisile ikhokhwa ekupheleni kwenyanga, ekhokhiswa ngenyanga elandelayo, noma ingakhokhiswa ngisho nangokwemali ethile.

Ngamafuphi, ikhadi lesikweletu lisusa imali kwi-akhawunti yakho yasebhange ngokushesha. Ikhadi lesikweletu libambezela leso sikweletu isikhashana ukuze usikhokhe.

Imikhawulo yekhadi lesikweletu nemali yasebhange

Imikhawulo yekhadi

Ubuwazi ukuthi amakhadi anemikhawulo? Lokho ukusho ukuthi, ngale kwaleyo "maximum", ngeke zikusize ngalutho ngoba ngeke zikusize ngalutho. Ukuze wenze lokhu, kufanele ucabangele okulandelayo:

Ikhadi lasebhange likhawulelwa enanini onalo ku-akhawunti yakho yasebhange. Lokho wukuthi, uma unama-euro ayi-1.000 1.001, noma ngabe ufuna kangakanani into ebiza i-XNUMX, ngeke ukwazi ukuyithenga ngoba uzoswela leyo euro (futhi ibhange ngeke likuboleke).

Ngakolunye uhlangothi, ikhadi lesikweletu uma uzothola ukuthi linomkhawulo omkhulu, isibalo esizobe sisungulwe yibhange lakho. Le mali yilokho ibhange "elikuboleka", ngoba, njengoba ubonile phambilini, imali ekuleli khadi akuyona eyakho, kepha eyasebhange, nebhange alinaso isikweletu esingenamkhawulo. Futhi yimuphi umkhawulo abawubekayo? Yebo, konke kuya ngekhono lakho lokubuyisa leyo mali.

Izikhathi eziningi ukubuyiselwa kwemali kukhokhiswa i-akhawunti yamanje, zithatha njengereferensi ibhalansi onayo ku-akhawunti yakho futhi, ngokuya ngalokho, zibala ikhono lokuthola imali yakho.

Ukukhipha imali

Omunye umehluko phakathi kwekhadi lesikweletu nelezikweletu iqiniso lokukhipha imali. Ngakolunye uhlangothi, ekhadini lasebhange, lapho ukhipha i-ATM, noma ebhange, akusho ukuthi unezindleko (ngoba ukhipha imali yakho). Ngakolunye uhlangothi, esimweni samakhadi wesikweletu, izinto ziyashintsha, ngoba lapha kufanele ukhokhe amakhomishini ngokukhipha nalelo khadi. Futhi kwesinye isikhathi lawo makhomishini angaba phezulu kakhulu, ngakho-ke gcina lokho engqondweni.

Okunye umehluko

Ngaphezu kwalokhu esikubonile, okungahle kube okubaluleke kakhulu, kunezinye izinhlobo zokwehluka. Ngokwesibonelo:

  • Ezokuphepha. Ekhadini lesikweletu ngokuvamile akukho mshuwalense, ungavimba noma ukhansele kuphela; ngenkathi, ngesikweletu, ngenxa yokuthi kuyimali yasebhange, unomshuwalense wokulwa nokweba.
  • Ukuqashwa. Uma unekhadi lasebhange, kungahle ungadingi ukuhlangabezana nezimfuneko eziningi; Kodwa-ke, imali ekhokhelwayo, impesheni noma okufana nakho kubalulekile kwisikweletu.
  • Izaphulelo. Ngoba kwezinye izikhungo, izitolo, amagalaji ... kungahle kube nezinzuzo zokukhokha ngamakhadi asebhange (esikhundleni sesikweletu noma ukheshi).

Yikuphi okungcono, ikhadi lesikweletu noma ikhadi lasebhange?

Yikuphi okungcono, ikhadi lasebhange noma ikhadi lesikweletu?

Manje njengoba usuwazi umqondo wawo womabili amakhadi, kanye nomehluko omkhulu, iliphi elibhekwa njengelihamba phambili? Kufanele wazi ukuthi empeleni akekho ongcono kunomunye. Zombili zilungile kepha zihlangabezana nezidingo ezihlukile. Ngakho-ke, ngumuntu okufanele anqume ukuthi yikuphi kulaba ababili okulungele kakhulu indlela yabo yokuphila.

Ochwepheshe bathi, lapho kunokuthengwa okukhulu, noma udinga ukuthenga okuthile, empeleni, ongeke wakukhokhela ukungabi nayo ibhalansi ku-akhawunti, kungahle kube kulungile ube nekhadi lesikweletu esikhundleni sekhadi lasebhange, yakhelwe ukukhipha imali kuma-ATM, izinkokhelo ezincane, noma unemali eyanele yokukhokha kahle kulokho ofuna ukukuthenga.

Abaningi baba nezinhlobo zombili zamakhadi, futhi bawasebenzise ngokungafani ngokuya ngezidingo zabo. Iqiniso ukuthi akukho okungcono noma okubi kakhulu ngaphandle kokuthi imibandela lapho ibhange ibanikeza khona ikulimaza ngandlela thile (inzalo, isondlo ...). Kuleso simo, kuzofanele uthathe isinqumo ngokuthi iyiphi oyikhokhile ngokweqile.

Uma ufuna ukwazi konke mayelana namakhadi wesikweletu ne-Mastercard wesikweletu nawokukhokha, lokhu kuyakuthanda:

i-visa noma i-mastercard
I-athikili ehlobene:
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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.